Rafiki Halisi Life Plan

The Rafiki Halisi Life Plan offers financial protection for your dependants in the event of your death.

Accidental Death Benefit

  • Minimum benefit of KShs 25,000 and maximum benefit of
    KShs 1,000,000.
  • 100% accidental benefit available immediately.

Non-Accidental Death Benefit

  • Minimum benefit of KShs 25,000 and maximum benefit of
    KShs 1,000,000.
  • 100% non-accidental cover available after two years.
  • Staggered benefit payable on death due to natural causes in the first two years as per the table below:

Additional Features:

  • Cash back survival benefit every 5 years.
  • Access to discounted family cover benefits.
  • No medical tests required.
  • Attractive payment options.
  • Cover ideal for meeting funeral expenses, offering financial protection to dependants on untimely death of provider or estate planning.

Paid-up Values



Percentage of benefit payable

0-6 Less than 6 months after Commencement Date 0%
7-12 More than 6 but less than 12 months after Commencement Date 25%
13-18 More than 12 but less than 18 months after Commencement Date 50%
19-24 More than 18 but less than 24 months after Commencement Date 75%
25+ More than 24 months after Commencement Date 100%

Application Process

  • Complete an application form with an Old Mutual Adviser.
  • Pay your first instalment premium either by cheque or at the post office.
  • You will receive your contract document immediately.
  • You will get an Old Mutual loyalty card on application.
  • There is a cool off period thirty (30) days from the day you are issued with the policy contract within which you can cancel the policy and premiums paid will be refunded.

Payment Options

Premiums can be paid monthly or annually. Premiums are payable through the following options: M-pesa, Cheque, Check-off, Direct debit. Please ensure you quote your policy number with each payment.

For more information on the Rafiki Halisi Life Plan please visit your nearest Old Mutual branch, send us an email or speak to your financial adviser.